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Is Manulife travel insurance the best in 2024?

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Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a United States hospital can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is a necessity when you are away from home . It guarantees your ability to access and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

While you look for options, a good provider to consider would be Manulife travel insurance. What does Manulife cover? For what price? What are its pros and cons? Read our review on Manulife's travel insurance, get quotes, and see how the competitors fare.

Our 2024 Manulife travel insurance review

Manulife is one of Canada's largest insurance providers. Manulife plans are flexible offering various levels of coverage. All-inclusive plans cover most major travel risks including emergency medical care, cancellations and lost luggage.

Here are some Manulife travel insurance Canada pros and cons:

Why Manulife could be right for you:

  • Coverage for a single trip or for multiple trips
  • Several offers depending on your profile (Canadians traveling domestically, Canadians going abroad, visitors and students)
  • Clear explanation of what the plans cover
  • Up to $10 million in emergency medical benefits
  • Costco Manulife travel insurance for members

Why Manulife may not be right for you:

  • Medical questionnaire for those aged 60+
  • If you are unable to call before seeking treatment you pay 20% of the expense out of pocket

You could compare Manulife's coverage with other best travel insurances in Canada using our comparator below.

Compare the best travel insurance plans on the market!

Is there Manulife covid travel insurance?

Manulife offers a specific plan just for Covid-19. It covers COVID-19 related emergency medical expenses and trip interruption coverage in the event you need to self-isolate or quarantine during your trip just as other popular providers like Allianz travel insurance .

The cost depends on your individual needs but here's a quick overview of what's covered by Manulife covid travel insurance.

For Canadians travelling abroad

  • Emergency medical insurance for COVID-19 and related complications are covered up to $5,000,000 if you are fully vaccinated for Covid-19 by a Health Canada-approved vaccine or for up to $1,000,000 for non-vaccinated policyholders
  • Trip Interruption Insurance benefits if you are required to quarantine (up to $200 per insured person per day for hotel and meal expenses (up to a maximum of $2,800) -or- $400 per insured family per day (up to a maximum of $5,600)

What is Costco Manulife travel insurance?

Costco-Manulife travel insurance is offered in partnership between Costco and Manulife. It offers valuable discounts for Costco members.

Executive members can save up to 5% on most insurance plan premiums. Further, as a Costco member, you can enjoy an exclusive Flight & Travel Accidental Death and Dismemberment benefit through Manulife Covid-19 Pandemic Travel Plan.

Executive Members receive $25,000 CAD in coverage, while Gold Star and Business Members receive $10,000 CAD.

What does Manulife travel insurance cover?

Manulife's travel insurance plans operate under the name CoverMe. Protections and benefits vary depending on travellers' profiles, desidered coverage, trip duration and destination.

Here are the main CoverMe travel insurance plans available:

  • CoverMe for Travelling Canadians
  • CoverMe for Visitors to Canada
  • CoverMe for Students

For more information, download the PDF below:

Manulife's CoverMe offers its Single-Trip Emergency Medical Plan for travel within Canada. Enjoy the same benifits of a standard Single-Trip Emergency Medical Plan, but at 50% less than the abroad plan.

Manulife CoverMe offers medical insurance plans for non-residents visiting the country for vacation, business or to visit family. It also can help cover people living in Canads who have not yet qualified for public health insurance.

Good to know

There is also the popular Manulife Single Trip All Inclusive plan for Canadians, which includes emergency medical coverage up to $10 million, trip cancellation/interruption, baggage protection, and flight/travel accident benefits. It covers expenses such as emergency treatment, paramedical services, ambulance transportation, dental treatment, medical evacuation, and more. Conditions and limitations apply to the Manulife all inclusive insurance.

Plans exist for pre-existing medical conditions and meet the requirements for the Parent and Grandparent Super Visas .

CoverMe offers travel insurance plans for students. Canadian students studying within in Canada can save 50% on their premiums. Benefits of Manulife travel medical insurance include:

  • Accidental dental coverage up to $2,500
  • Medical coverage up to $2,000,000 including physician services, annual medical and eye exams, hospitalisation and prescriptions drugs
  • Tuition loss up to $5,000 per semester

Does Manulife travel insurance cover pre-existing conditions?

TravelEase® provided by Manulife offers emergency medical coverage for pre-existing conditions. With coverage of up to $5 million, the plan includes essential benefits such as physician services, ambulance transportation, hospitalisation, prescription drugs, and more.

It's important to note that you can apply for TravelEase coverage regardless of your age, and you have access to worldwide travel assistance 24 hours a day, 365 days a year.

Manulife Travel Insurance for seniors

Manulife plans can be altered specifically for traveling seniors, catering to their unique needs. These plans provide comprehensive medical coverage for emergency medical expenses, including hospitalization, physician fees, medications, and emergency medical transportation.

They also offer trip cancellation and interruption coverage, as well as coverage for pre-existing medical conditions, subject to certain terms and conditions. Seniors can benefit from 24/7 travel assistance services and flexible coverage options that suit their needs and budget.

Manulife generally offers coverage for travellers up to 85 years of age, but it's important to review the policy details for specific age eligibility and any applicable restrictions.

Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

What's not covered by Manulife travel insurance?

It typically does not cover:

  • High-risk activities like extreme sports or professional competitions.
  • It doesn't cover cosmetic and elective procedures during travel.

Self-harm and injuries due to reckless behaviour aren't covered either. There are limitations on mental health conditions covered but it's best to check with a Manulife agent to get the most up-to-date information on exclusions.

How much does Manulife travel insurance cost?

The price of travel insurance depends on:

  • Your desired coverage and otpions.
  • Your deductible.
  • Your waiting period.
  • Your destination(s).
  • The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customised for your unique needs. Create a Manulife travel insurance login and fill in the details on the website to get more information.

You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How to buy a Manulife travel insurance plan?

CoverMe plans may be purchased through their website or by calling the Manulife travel insurance phone number 1-877-268-3763. You could also create a Manulife account and login on their website to get further information on plans.

You could write an email to [email protected] and request for information on plans and an agent will guide you through the process.

How to file a Manulife travel insurance claim ?

You can submit your travel claim form through one of these platforms:

  • Online on Manuvie's website
  • By calling the assistance centre at the following Manuvie phone number: 1-888-881-8010
  • Through the TravelAid mobile app
  • For Manulife travel insurance for visitors to Canada outside North America, call +1 (519) 945-8346.

To find the status of your claims, you can call 1-888-881-8013 or 1-519-945-9246.

How to cancel Manulife travel insurance?

Manulife travel health insurance policies in general can be cancelled before the departure date or within a specified period after purchasing the policy, as long as no claims have been filed during that time.

However, it's important to review your specific policy terms and conditions to understand the cancellation policy and any applicable fees or restrictions.

Specifically, you can cancel an Emergency Medical Plan (Single-Trip or Multi-Trip) at any time before the effective date of coverage. You cannot cancel an All-Inclusive Plan (Single-Trip or Multi-Trip) or a standalone Trip Cancellation & Trip Interruption Plan.

If you have already departed or filed a claim, cancelling the policy may not be possible, or there may be different procedures or requirements to follow. Contacting Manulife customer care directly will provide you with the most accurate and up-to-date information regarding your specific policy.

How to contact Manulife travel insurance?

Reach the customer care at the following Manulife travel insurance phone numbers for any queries on your policy:

  • For emegency assistance call: 1-877-878-0142
  • For support: 1-800-268-3763

Now that you know everything you need to in order to assess if Manulife is the best choice for you, you can compare and get quotes from other travel insurances in Canada to make the best choice.

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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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Manulife Logo

  • Single Trips
  • Multi Trips
  • Visitors to Canada

single trip all inclusive manulife

Multi-trip plans

  • Up to $10 million in emergency medical benefits 
  • Covers a wide range of risks – from ambulance transportation to paramedical services
  • Insure trips of 4, 10, 18, 30 or 60 days – and top up for a longer trip if needed

Emergency medical benefits*

Health services.

  • Hospital and physician services
  • Paramedical services
  • Emergency dental treatment

Transportation

  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return home of children in care of insured, travel companion, pet, vehicle
  • Return to original trip destination
  • Return of excess baggage

Additional protection

  • Hospital allowance
  • Extra meal, hotel, child care and phone call costs
  • Expenses related to death
  • Terrorism coverage*

Top-up for a longer trip

  • Confirm top-up won't reduce trip coverage with another insurer
  • Confirm entire trip, including top-up, is within the length allowed by the insured's government health insurance plan
  • Buy before expiry date
  • Complete medical questionnaire for applicants age 60 or older

* If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

  • Up to $3,500/insured/trip and $6,000/policy in trip cancellation/interruption benefits
  • Baggage loss, damage & delay insurance
  • Flight & travel accident insurance
  • Insure trips of 4, 10, 18 or 30 days – and top up for a longer trip if needed
  • Return to original trip destination*
  • Top-up with Manulife Financial emergency medical coverage will automatically includes all other coverages under an existing Manulife Financial All-inclusive

Trip cancellation/interruption insurance*

  • Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
  • Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
  • Missed connection
  • Business meeting cancelled
  • Travel advisory issued by Canadian government
  • Travel visa not issued
  • Travel host hospitalization or death

Baggage loss, damage and delay insurance

  • Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
  • Up to $500 for toiletries and clothing after luggage delay of at least 10 hours; up to $1,500 per policy
  • Up to $300/trip for any item or set of items to a maximum of $1,000; up to $3,000 per policy

Flight and travel accident insurance

  • $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
  • $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
  • Only one benefit payment (the largest applicable) per trip

Choose plans

  • Emergency medical plan
  • All-inclusive plan

* For all multi-trip plans, the minimum age is 30 days. There is no maximum age. ** For family coverage, all family members must have coverage that starts and ends on the same dates. *** Family coverage cannot be combined with travel companion savings.

Start a quote

Please complete all fields.

Your client must confirm with the appropriate Provincial/Territorial service centre that government health insurance plan coverage will continue throughout the trip.

More than two travellers require a medical questionnaire so this application cannot continue online.

Warning: Coverage start date is in the past

Your online session is about to expire. Click Continue to proceed with your application, or click End to end your session now

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Manulife logo Personal

COVID-19 and your travel insurance

Now available: Manulife’s COVID-19 Pandemic Travel Plan

Check out our FAQ for answers to questions about COVID-19

Information for customers who have purchased travel insurance through an advisor or have travel coverage as members of an association (e.g. alumni groups, professional organizations, retiree organizations, financial institutions, retailers).

On February 28, 2022, the Government of Canada lifted their blanket advisory to “Avoid Non-Essential Travel” that has been in effect since December 15, 2021.

What does this mean for fully vaccinated Manulife Travel Insurance Customers?

If you have been fully vaccinated against COVID-19 at least 14 days before the start of your trip, Manulife Travel Insurance policies that include Emergency Medical benefits will provide coverage for any unforeseen medical emergency related to COVID-19 in accordance with the terms and conditions of your policy. This applies to trips with a departure date on or after February 28, 2022.

Emergency Medical

Fully vaccinated customers will now be covered for COVID-19 and related expenses under Manulife Travel Insurance plans that include Emergency Medical Insurance benefits.

At this time, booster shots are not required to be considered fully vaccinated.

Trip Cancellation and Trip Interruption

COVID-19 is still considered a known event in relation to Travel Advisory status changes, and a Trip Cancellation or Trip Interruption Insurance claim will not be paid if an individual cancels or interrupts their trip for a reason related to COVID-19, except for one of the three events mentioned below.

  • Your sickness (accompanied by a medical certificate) due to contracting COVID-19 that prevents you from travelling as planned.
  • A positive COVID-19 test result (accompanied by a medical certificate) within 72 hours before your departure from home which prevents you from travelling as planned.
  • Your job loss as a result of the pandemic impact at your place of employment.

Quarantine Coverage

If required to quarantine, the following benefits are available under most Manulife Travel Insurance plans that include Emergency Medical coverage:

  • Extra expenses for meals, accommodation, telephone calls and taxi fares
  • Expenses to bring you home

What does this mean if I am not fully vaccinated?

If you have not been fully vaccinated against COVID-19 at least 14 days before the start of your trip, the Travel Advisory to “Avoid Non-Essential Travel” remains in effect.

Tips and contacts

As the volume of travel assistance requests has significantly increased, we encourage you to submit your Manulife travel insurance claim on our  online portal  or our  TravelAid mobile app.

If you have further questions, please talk to your travel supplier, visit our FAQ and select the “travel” topic, or check out the helpful links below, or call 1-800-268-3763 .

Information for customers who have emergency travel assistance and/or trip cancellation benefits through their employer’s group plan.

If you have questions about your coverage call Global Excel Management at 1-800-265-9977   in Canada or the U.S; see your benefits card for phone numbers in other countries.

Helpful links

Government of Canada, Travel and Tourism

Check individual travel online portal

Download TravelAid mobile app

COVID-19 FAQ

Manulife’s COVID-19 Pandemic Travel Plan

  • Travel Insurance

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Do You Need Annual Multi-Trip Travel Insurance?

Published: May 18, 2023, 2:46pm

Fact Checked

Table of Contents

What is annual multi-trip travel insurance, how do you know if you need annual multi-trip travel insurance, multi-trip travel insurance plan examples, what are the pros and cons of annual multi-trip travel insurance, cost of annual travel insurance vs. single-trip insurance, do you need annual multi-trip travel insurance faqs.

If you take several trips annually, with some destinations overseas, a multi-trip travel insurance plan could be a worthwhile option. These are also known as annual travel insurance plans.

A multi-trip plan is likely worthwhile if you want to simplify your travel insurance logistics and minimize costs. Here’s how to decide if a multi-trip policy will make sense for you.

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On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Multi-trip travel insurance is a travel policy that covers multiple trips during a specified time. It provides coverage for a year from the effective date of your policy.

The benefits of these plans vary. There are medical-only plans that cover medical emergencies, but not trip cancellation. The more comprehensive or all-inclusive plans offer trip cancellation protection and baggage insurance on top of their medical coverage. Some travel insurers offer both.

The best multi-trip travel plans include these important benefits:

  • Emergency medical: Covers emergency medical-related expenses during your trip such as doctor’s visits, X-rays, hospitalization and medication. May also include medical repatriation, non-medical emergency evacuation and medical follow-up in Canada.
  • Trip cancellation : Reimburses up to the insured amount for prepaid, non-refundable and non-transferable expenses if you need to cancel your trip before you leave home due to a covered reason, such as a medical emergency or death.
  • Trip interruption:  Provides coverage for expenses if you need to cut your trip short and return home due to death, illness or injury, family emergencies or other reasons listed in the policy.
  • Baggage insurance: If your bags get stolen or damaged, baggage insurance can help you recoup the costs. Baggage delay insurance will provide funds to tide you over for clothing and toiletries if your luggage is temporarily lost.
  • Travel accident insurance: In the event that you’re killed or catastrophically injured due to an accident in flight, at an airport or in transit, this coverage will pay out to your family or estate.

Multi-trip plans have a per-trip duration limitation for trips outside Canada. For example, Manulife offers coverage for an unlimited number of trips each lasting up to four, 10, 18, 30 or 60 days.

Generally, the maximum trip length for each trip taken during the 364-day period ranges from 30 to 60 days. However, there are exceptions: Blue Cross offers multi-trip insurance for four, eight, 17, 31, 60, 90, 120, 150 and 180 days per year.

The types of trips you’re planning will generally determine if a multi-trip travel insurance plan is the best fit for you.

Basic multi-trip travel insurance plans are best for:

  • Travellers who take lots of trips within a year.
  • Those who want to save money, as multi-trip plans are generally less expensive than insuring multiple trips individually.
  • People who take last-minute trips and want the convenience of having a year-long travel insurance policy in place.
  • Business travellers who travel frequently.

There are many types of multi-trip travel plans available that are designed to serve frequent flyers and spontaneous jet-setters. Depending on your needs you can either buy a basic medical-only plan or a more comprehensive plan that includes trip protection.

Here are a few examples:

  • Manulife offers a stacked Multi-Trip All-Inclusive Plan with $10 million in emergency medical benefits, up to $3,500 per trip and $6,000 per policy for trip cancellation and interruption, as well as $3,000 baggage loss or damage and $500 trip delay per policy coverage. Manulife also offers a Multi-Trip Emergency Medical Plan that covers the same medical benefits as the all inclusive, but without trip protection. You can choose between four, 10, 18, 30 or 60-day plans.
  • Allianz Travel Insurance offers a $10 million Annual Medical Plan for 10 days or 30 days that includes emergency medical and dental, emergency medical transportation, coverage for meals and accommodation due to a travel delay, vehicle return, pet return and 24-hour assistance.
  • Blue Cross offers two plans for frequent travellers: An Annual medical plan with $5 million in emergency medical and the Annual Package Plus, which includes trip protection. Blue Cross has a generous selection of trip durations, including four, eight, 17, 31, 60, 90, 120, 150 or 180 days.
  • AMA Travel Insurance offers both a Multi-Trip Medical Plan that offers $5 million in emergency medical care coverage and a comprehensive Annual Premium Package that covers both emergency medical and trip protection for 15, 30 and 60 days.

While travel insurance is always a good idea, there are pros and cons to consider when deciding between single trip or multi-trip insurance.

Streamlined coverage.  Multi-trip plans provide the convenience of purchasing just one policy for the entire year, rather than individual policies each time you travel.

Affordable coverage for multiple lower cost trips. An annual travel insurance plan could be a particularly good option for frequent fliers who travel often within North America. If you go on numerous, low-cost flights over the course of 365 days, an annual plan would provide affordable coverage for the most common travel insurance needs without needing to purchase a policy for each separate trip.

Limited days you’re allowed to travel per trip. While the number of days varies by policy, once you reach your limit you must return home before your coverage starts again, unless you purchase a separate top-up.

Limited coverage compared to single-trip plans. Say you’re a frequent traveller to the US but you have one expensive trip booked to Europe in that same year. Depending on your policy, you may want to buy additional insurance for that trip to bump up your coverage.

When choosing between a multi-trip plan and a single trip plan, consider both the number of trips and the total number of days you plan to travel for all trips in a 12-month period.

BCAA uses the following case study to illustrate the cost difference between single-trip insurance compared to a multi-trip plan: A 60-year-old person in B.C. crosses the border once a month for a quick trip to Washington State. Each single trip will cost a minimum $20 in travel insurance, totaling $240 a year. In contrast, a BCAA Annual Multi-Trip Travel Insurance policy will cost $113.39, or a 53% savings.

A good rule of thumb is that if you travel 40 or more days on multiple trips during a 12-month period, you will usually be best served by a multi-trip plan.

The Bottom Line

If you’re considering single trip travel insurance against multi-trip travel insurance, one isn’t inherently better than the other. The decision over what travel insurance plan is best for your budget and your coverage needs comes down to factors such as the length of your trips and how often you travel.

Do I need to know how many trips I’m going to take or my destinations?

Because an annual travel insurance plan is based on a period of time, rather than a number of trips, it’s not necessary to know in advance how many trips you might take. When buying multi-trip travel insurance you’ll be asked to guesstimate your number of trips: If you usually go away for a week and your insurer offers four, 10 and 15 day trip duration, choose the 10-day option for maximum flexibility.

The coverage offered by the plan over the course of the year will be the same if you plan on two trips, 14 trips or more.

What if I want to stay past my allotted number of days?

Some policies allow you to extend your trip by purchasing an extension or top-up to your current policy. The cost of the top-up depends on your coverage options and the number of extra days you’d like to stay. Your policy may, however, require you to add days before you leave home. Check the policy wording carefully if this flexibility is important to you.

Can I buy trip cancellation separately when I have a medical-only multi-trip plan?

While some multi-trip plans do not offer trip protection coverage, such as trip cancellation insurance, you may be able to buy a policy for a single trip. For example, say you have an annual multi-trip policy with Allianz that offers $10 million in emergency medical benefits but no trip protection. If you plan to take an expensive international trip within that year of coverage, you can buy a separate cancellation plan for that one vacation.

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Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com. Erica is a graduate of the University of Maryland at College Park.

Michelle is an insurance analyst at Forbes Advisor. She has been a journalist for over 30 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

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single trip all inclusive manulife

Single Trip All Inclusive Travel Insurance for Canadians

Plan overview, includes emergency medical, trip cancellation & interruption, baggage loss, damage and delay, flight & travel accident..

Emergency Medical benefits up to $10 million to cover expenses for:

  • Emergency treatment
  • Paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical evacuation home
  • Repatriation of bodily remains
  • Bringing someone to your beside
  • Return home of children in the care of the insured
  • Return home of travel companion
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Hospital allowance
  • Return of excess baggage
  • Phone call expenses
  • Terrorism coverage

Conditions, limitations and exclusions apply. See the policy for details.

Eligibility

To be eligible for insurance under this policy, an applicant must be a resident of Canada and covered under a Canadian, provincial or territorial government health insurance plan.

Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.

Application & Medical Questionnaire

  • Can be completed up to 180 days prior to the effective date.
  • Single-Trip plans must be purchased for the entire duration of the trip.

Eligibility and Rate Category

At the time of application, if the applicant is:

Under Age 60:

if you’re age 59 or younger, you automatically qualify for Rate Category A. You must confirm your eligibility to purchase this plan and you do not need to complete any medical questions to determine your rate category.

Over Age 60:

you need to complete the medical questionnaire to determine your eligibility and rate category.

Individual Medical Underwriting Plan for any age,

You will need to be able to answer questions related to your medical condition(s) and will need to know your travel dates and your agent’s selling code in order to receive a quote.

Your cost will vary according to your specific health needs and circumstances.

When you pay the quoted premium for the Individual Medical Underwriting Plan, your pre-existing medical conditions will be covered during your trip with no stability requirement.

TRAVEL TIP: Be sure to review your policy and all documents when you purchase the Manulife Individual Medical Underwriting Plan to ensure that all your medical conditions have been disclosed and that you have answered all questions truthfully and accurately. If you omit or inaccurately disclose any medical condition, you may not be covered for any condition in the event of a claim.

Pre-Existing Medical Condition Exclusions

Rate category determines the period of the stability required for coverage of any pre-existing medical condition. rate categories are applicable to.

Emergency Medical Insurance.

Manulife Financial Travel Insurance will not pay any expenses for Emergency Medical Insurance relating to a……

Pre-existing medical condition:, heart condition:, lung condition:, pre-existing medical condition, medical condition.

“Medical Condition’ means any disease, sickness or injury (including symptoms of undiagnosed conditions).

A medical condition is considered stable when all of the following statements are true:

  • there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  • there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  • the medical condition has not become worse, and
  • there has not been any new, more frequent or more severe symptoms, and
  • there has been no hospitalization or referral to a specialist, and
  • there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  • there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Pre-Existing Medical Condition Exclusions - Trip Cancellation & Interruption

Manulife Financial Trip Cancellation & Interruption Insurance will not cover any expenses or benefits relating to any medical condition that was not stable in the three (3) months before the effective date of coverage.

Trip Cancellation & Interruption

Trip cancellation & interruption benefits .

  • Up to $3,500 per insured per trip for the Single-Trip All-Inclusive plan.

Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event.

Highlights of some of the insured risks:

  • Unexpected medical emergency or death of insured (or insured's travel companion).
  • Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person.
  • Cancellation of a business meeting.
  • Canadian Government issues a Travel Advisory regarding the travel destination.
  • Travel visa not issued.
  • The person whose guest the insured will be during trip has a medical emergency and is admitted to a hospital or dies.
  • Missed connection.

Baggage Loss, Delay and Damage

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:   

  • Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa.  
  •  Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is enroute. 
  • Up to $300 per trip for any item or set of items to a maximum of $1,000.

*Other conditions, limitations and exclusions, apply. See the policy for details.

Flight & Travel Accident

Flight & Travel Accident Insurance covers the following benefits:

  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

**If the claim is a result of an act of terrorism, this benefit may be limited.

Coverage Start & End Dates

Effective dates and expiry dates , coverage starts:.

For Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage, shown as purchase date on the confirmation.

For all other coverages, on the later of:

  • the departure date; or
  • the effective date as shown on the confirmation.

Coverage ends on the earliest of the following:

Trip Cancellation coverage, on the earlier of:

  • the departure date;
  • the date the policyholder cancels their trip;
  • the expiry date as shown on the confirmation.

For all other coverages, on the earlier of:

  • the date the policyholder returns home;

Refunds & Extensions

Refunds and Cancellations are not permitted on All-Inclusive plans. 

  • Premium rates are in $CDN per person.
  • Rates are subject to change without notice.
  • The rate category; and
  • The age at the time of application; and
  • The trip length.
  • The date of departure; and
  • The date of return.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

Important Information

  • Contact the Assistance Centre before receiving treatment while on a trip. Manulife Financial Travel Insurance has a 20% co-insurance provision that may limit the benefits if you do not call or contact the Assistance Centre. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted. 
  • If you are submitting a paper application, make sure it is signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
  • Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
  • The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy.

Protect Your Trip »

The 9 top adults-only all-inclusive resorts in the caribbean.

Dine, relax and unwind without the kids at these beachfront properties.

Top Adults-Only Resorts in the Caribbean

Patio with drinks overlooking pool at Hyatt Zilara Rose Hall.

Courtesy of Hyatt

If you dream of strolling along serene white sand beaches with your significant other – and without any kids around – then maybe you're in need of an adults-only escape to the tropical Caribbean. To make it even better, staying an all-inclusive resort means you don't have to search for your credit card every time you order a drink or sit down for a meal – and you won't worry about overspending on activities because it's all included.

U.S. News & World Report has compiled this list of the top all-inclusive adults-only resorts in the Caribbean so you can start planning your dream vacation.

  • Sandals Grenada
  • Sandals Royal Caribbean
  • Hammock Cove
  • Secrets Cap Cana Resort & Spa
  • Excellence Playa Mujeres
  • Hyatt Zilara Rose Hall
  • UNICO 20°87°Hotel
  • Excellence Punta Cana
  • Sandals Regency La Toc

Sandals Grenada: St. George's, Grenada

Pool at Sandals Grenada.

Courtesy of Sandals Resorts

Located in St. George's, Grenada , the adults-only all-inclusive Sandals Grenada boasts innovative design, including infinity pools on guest suite balconies and a sunken living room in the middle of the main pool. If that's not impressive enough, you'll love the unlimited dining at 10 world-class restaurants; six bars, including a swim-up bar; access to Pink Gin Beach; and remarkable water activities. Honeymooners are particularly fond of this resort, commenting that the food and staff make it very enjoyable.

Guests can choose from fine dining cuisine such as French, Italian, Japanese and Caribbean. Spend the day exploring the turquoise water while snorkeling, kayaking, scuba diving or sailing. After dark, hit any of the bars – serving unlimited top-shelf liquor – for music, dancing and cocktails. Depending on the room you choose, amenities can include perks such as soaking tubs, ocean views, butler service and fully stocked minibars.

For an added fee, guests can get pampered at the Red Lane Spa, take a PADI-certified scuba diving course or enjoy a private romantic candlelight dinner. Head off property to explore the "Spice Island," with local activities such as visiting a rum distillery, spice plantation, national park or underwater museum.

Sandals Royal Caribbean: Montego Bay, Jamaica

Exterior over overwater bungalow at Sandals Royal Caribbean.

This resort, located on Montego Bay in Jamaica , offers a romantic getaway with two cultures in one resort: British and Balinese. At Sandals Royal Caribbean , you'll find British architecture, landscaping and afternoon tea, while on the nearby private island there are Bali-inspired cabanas, pool and over-the-water hammocks. Stroll the heart-shaped boardwalk to an over-the-water villa with an infinity pool, glass floors and a personal butler. There are also beachfront suites that include a soaking tub, a rain shower, a marble bathroom and a concierge.

At this adults-only all-inclusive, dine at nine restaurants, drink at five bars, swim at eight pools and relax in six whirlpools. Guests also have access to amenities at nearby Sandals Montego Bay , which includes 12 additional restaurants. Excursions in the area include taking a bamboo raft down the Martha Brae River, sailing on a catamaran at sunset while listening to reggae music or swimming in a glowing bioluminescent lagoon.

Recent guests reported that they felt especially pampered at the Red Lane Spa here. Treatment options include a massage with Himalayan salt stones, a couples massage tutorial, a coffee body scrub and tropical facials.

Hammock Cove Antigua: Saint Philip, Antigua

Adults will love the all-inclusive Hammock Cove Antigua, with six bars and restaurants, a three-tiered infinity pool, pickleball courts and clear-bottom kayaks. Amenities like wine tastings and access to the relaxing full-service spa come at additional cost. Accommodations have views of the aquamarine waters, private plunge pools, stocked wet bars and vaulted ceilings. Travelers who stayed there recently said the facilities were top-notch – from the rooms to the restaurants.

Take advantage of the tranquil on-site spa by indulging in a massage, facial or body treatment as well as the cold plunge and sauna. Let your worries slip away by taking a walk on the white sand beach, floating in the pool or swaying in a hammock. While visiting the island of Antigua , you can also go deep-sea fishing, swim with stingrays, explore downtown St. John's or see historical landmarks such as the Devil's Bridge.

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Tips on Trips and Expert Picks

Travel tips, vacation ideas and more to make your next vacation stellar.

Secrets Cap Cana Resort & Spa: Punta Cana, Dominican Republic

Pool with poolside chairs and table at Secrets Cap Cana Resort & Spa.

Courtesy of Secrets Cap Cana Resort & Spa

The Dominican Republic's scenic Juanillo Beach is the gorgeous setting for the couples-only Secrets Cap Cana Resort & Spa , situated in the gated Cap Cana community in Punta Cana . At this adults-only all-inclusive resort, your time will be filled with gourmet open-air dining, breathtaking sunsets, lively entertainment, serene spa treatments and exciting excursions.

Guests can spend their downtime in a luxury guest room or suite with a furnished balcony or terrace, a stocked minibar, and a soaking tub. You can even get a suite with swim-up pool access. For an even more elevated experience and exclusive amenities, upgrade to a Preferred Club suite, which includes access to the Preferred Club lounge, a private pool and a private beach, as well as enhanced dining options, concierge services and private check-in. Learn about the culture and environment in the area by visiting nearby islands, snorkeling at the Marinarium, exploring the terrain in an off-road buggy or zip lining in the Anamuya Mountains.

Excellence Playa Mujeres: Cancun, Mexico

Main pool at Excellence Playa Mujeres.

Courtesy of The Excellence Collection

Start your stay at the beachfront, all-suite Excellence Playa Mujeres in Cancún with a de-stressing massage at Miilé Spa and an authentic Mexican meal at Agave. Transition to an invigorating kayaking excursion on the crystal blue water, followed by a cooking class, a refreshing swim in one of the seven pools and an in-pool tropical cocktail at Blue. Wind down your day with dinner at The Lobster House and a live show, then retreat to your luxurious accommodations, such as the Two-Story Rooftop Terrace Suite with a plunge pool and an in-suite hot tub.

Book an Excellence Club suite for an exclusive escape with upscale amenities and services, including a private concierge; two private pools and a private beach area; access to the Excellence Club lounge, restaurant and bar; and one hydrotherapy treatment per person. In your suite, you'll find daily fresh fruit, flowers upon arrival, and upgraded food and drink offerings. The nightlife, pool and beach at Excellence Playa Mujeres were highlights for recent visitors.

Hyatt Zilara Rose Hall: Montego Bay, Jamaica

Dinner at outdoor restaurant at Hyatt Zilara Rose Hall.

If you're looking for a romantic escape on picturesque Montego Bay in Jamaica, the adults-only Hyatt Zilara Rose Hall is a wonderful option. As with many all-inclusive resorts, your rate includes unlimited dining at 10 restaurants, drinks at six bars with top-shelf spirits, a minibar that is restocked daily, live entertainment, nonmotorized water sports and a fitness center. For extra relaxation, book a spa treatment or arrange a tee time at a nearby golf course. The activities and entertainment were praised by guests who stayed at the resort.

Some elevated amenities you'll find at this resort include swim-out suites, aqua aerobics classes, oceanside fire pits and digital check-in. Guests who book a Butler Suite receive a cell phone for direct access to their butler. Get to know the surrounding area with a tour that includes inner tubing on the White River, visiting Croydon Plantation or going horseback riding on the beach.

UNICO 20°87° Hotel: Riviera Maya, Mexico

The Alcoba King Room at UNICO 20°87° Hotel.

Courtesy of UNICO 20°87° Hotel Riviera Maya

With a focus on wellness, adventure and culture, UNICO 20°87° Hotel Riviera Maya provides a fresh perspective on the traditional all-inclusive resort. The wellness-focused resort features locally sourced, farm-to-table food and beverages; a holistic spa; room decor that reflects the heritage and culture of the area; and opportunities to explore the natural environment of Riviera Maya. Enjoy your all-inclusive dining at five restaurants and five bars, with poolside service, via your customized minibar, or through room service. Some unique experiences on the property include a beer garden, mixology and cooking classes, various types of alcohol and chocolate tastings, and more.

Before arriving at the resort, guests can communicate their dietary needs and excursion preferences, request daily ice delivery, choose from the pillow menu, select a custom scent for the room, and let the hotel know about any special occasions. This way, the hotel can make each visit personalized to the guest. Upon arrival, a local host is available to help with unpacking your luggage, ironing services and preparing your spa tub. Many reviewers commented on how amazing the host services were.

Excellence Punta Cana: Punta Cana, Dominican Republic

Pool at Excellence Punta Cana.

Adults will be impressed with a beachside stay in the Dominican Republic at Excellence Punta Cana . The ocean views take center stage, with dining service, spa treatments, live entertainment, and activities on or overlooking the beach. Guest suites offer garden, mountain or ocean views; many even boast swim-up access or a private pool.

The Excellence Club suites are for those seeking an even more exclusive experience. These suites include access to private pools, a private beach area, an exclusive restaurant, a private lounge and much more. Past guests said it was well worth the upgrade. Dining options feature Mexican, French, Italian and pan-Asian cuisine. There are also bar food favorites and vegetarian options.

If your goal is to relax, renew and reset, make time to visit the Miilé Spa for amenities like a hydrotherapy circuit, indoor and outdoor lounge spaces, a sauna, a steam bath, an ice room, and various types of experiential showers. Book an individual or couples treatment for even more relaxation.

Sandals Regency La Toc: Castries, St. Lucia

Situated on the stunning island of St. Lucia , the child-free Sandals Regency La Toc includes access to three separate properties, allowing endless opportunities to enjoy the dining, activities and resort amenities. The exquisite food and free shuttles to the other nearby Sandals resorts stood out to travelers staying there.

Sandals Regency La Toc includes unlimited dining and drinks at nine restaurants and eight bars, three inviting pools, sports such as kayaking and tennis, a crescent-shaped half-mile beach, and personal butler service. Whether you want to go snorkeling, work out at the gym, watch a live show, play golf, get a massage or go on an adventure, you'll find plenty of ways to spend your time at this resort. What's more, many of the guest rooms have private pools or soaking tubs with a view.

Why Trust U.S. News Travel

Sharael Kolberg is a U.S. News & World Report contributor who loved visiting the Caribbean side of Central America. She was most impressed with the large diversity of wildlife, outdoor adventure and scenic beauty, and loved swimming in the warm, clear water. To curate this list of adults-only all-inclusives in the Caribbean, she used her travel and research expertise.

You might also be interested in:

  • The Top Adults-Only All-Inclusive Resorts in Mexico
  • The Top Cheap Caribbean All-Inclusive Resorts
  • The Top All-Inclusive Caribbean Resorts for Families
  • All-Inclusive Resorts With the Best Food
  • Cruise vs. All-Inclusive Resort

Top Adults-Only All-Inclusive Resorts

Ladybird indoor sitting area at Lake Austin Spa Resort.

Tags: Travel , Hotels and Resorts , Caribbean Vacations

World's Best Places To Visit

  • # 1 South Island, New Zealand
  • # 4 Bora Bora

If you make a purchase from our site, we may earn a commission. This does not affect the quality or independence of our editorial content.

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Multi-Trip All-Inclusive Plan

Lock in comprehensive coverage for every trip you take..

If you're headed out on two or more trips within the next year, but want protection beyond just emergency medical costs, this plan offers great value – including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

It protects you for as many trips as you want to take throughout the year, for one affordable premium – with up to  $5 million  in emergency medical coverage.

In many cases,  if you took two trips within the year, this coverage would cost less than the price of two Single-Trip All-Inclusive plans.

You can choose from three trip durations:

If necessary, you can purchase additional days with  Emergency Medical Top-Up .

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Multi-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first.  It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Cancellation & Trip Interruption benefits

  • Up to $5,000 per trip / $8,000 per policy
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:*

  • Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while you are en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident Insurance

Flight Accident and Travel Accident Insurance covers the following benefits:*

  • If an accidental bodily injury causes you to pass away, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes you to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 5% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE:  For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-existing condition exclusions – Trip Cancellation & Trip Interruption

Travel insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Pre-Existing condition means a medical condition that existed before your effective date.

Medical Condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

A medical condition is considered stable when all of the following statements  are true:

  • there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  • there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  • the medical condition has not become worse, and
  • there have not been any new, more frequent or more severe symptoms, and
  • there has been no hospitalization or referral to a specialist, and
  • there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  • there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be  considered stable.

Change in medication means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application.

Take action

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922 (Monday – Friday 8am – 8pm ET)

Or email [email protected]

NOTE: All dollar figures are in Canadian dollars.

* Conditions, exclusions, limitations apply. See policy for details.

** Manulife cannot guarantee the availability of the StandbyMD service indefinitely.

StandbyMD is a registered trademark™ of Healthcare Concierge Services, Inc.

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COMMENTS

  1. Single Trip All Inclusive Travel Insurance for Canadians

    Protect your travels & save 10% on rates*. As an eligible member of the Canadian Armed Forces (CAF) community, you deserve quality and value for your money. So we're offering you and your family 10% savings on already affordable Manulife Travel Insurance rates. *Excludes COVID-19 Pandemic Travel Plan.

  2. Manulife Financial Travel Insurance

    Travel Canada Emergency Medical. Save 50% when travelling only within Canada. Up to $10 million in emergency medical benefits. Covers a wide range of risks - from ambulance transportation to paramedical services. Save 50% when travelling only within Canada. Download PDF: Emergency medical plan.

  3. PDF Comparison Chart for All-Inclusive Travelling Canadian Plans

    All-Inclusive. Youth All-Inclusive. Youth Deluxe All-Inclusive. Baggage loss and damage. You will be reimbursed for any item that is lost, stolen, or damaged during your trip, including jewellery, passports, travel visa, etc. Up to $300/item and to a maximum $1,500. Up to $300/item to a maximum of $500/trip.

  4. Quote and apply for Travel Insurance for Canadians

    Single-Trip All-Inclusive. The best of both worlds - this comprehensive plan protects you from both emergency health costs and unexpected travel costs. ... Access to Manulife's Travel Assistance 24/7 - 365 days a year - wherever you are in the world; Full refund for medical plans before your effective date if you change your mind; 50% ...

  5. Single Trip All Inclusive Travel Insurance for Canadians

    Choose single trip all-inclusive travel insurance and get both trip cancellation and emergency medical insurance all in one plan! ... If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

  6. PDF Manulife Travel Insurance

    Manulife Travel Insurance Comparison Charts for Travelling Canadians Travel Insurance plans Effective October 2, 2023 Single‑Trip Medical Plans ... Single‑Trip All‑Inclusive Plans These plans help protect you from both emergency medical and non‑medical travel expenses. Single‑trip all‑inclusive plans include:

  7. Single-Trip All-Inclusive Travel Insurance Plan

    Manulife CoverMe's All-Inclusive Plan (Single-Trip or Multi-Trip), Non-Medical Inclusive Plan, Youth All-Inclusive Plan, and Youth Deluxe Plan contains Baggage Loss, Damage & Delay insurance. There are benefits available in the event of baggage theft or lost/stolen travel documentation (passport, driver's license, visa).

  8. Manulife Financial Travel Insurance for Canadians

    Included for Single Trip All Inclusive done: Flight and travel Accident: Included for Single Trip All Inclusive done: Features & options available: Top-Ups: Not Included for Single Trip All Inclusive remove: Deductible Savings: Not Included for Single Trip All Inclusive remove: Family Coverage*** (under the age of 60) Not Included for Single ...

  9. PDF www.manulife.ca

    Are you looking for a comprehensive travel insurance plan that covers both medical and non-medical expenses for your single trip? Check out the Single Trip All-Inclusive Policy from Manulife, a leading provider of travel insurance for Canadians. You can find out the benefits, exclusions, limitations and other details of this plan in this PDF document.

  10. Manulife Financial CoverMe Travel Insurance Review 2024

    Manulife Financial offers medical only coverage for four, 10, 18, 30 and 60 days and all inclusive coverage for four, 10, 18 or 30 days per trip. If you stay longer than the number of days you ...

  11. PDF Manulife CoverMe Travel Insurance

    Interruption claim if you purchased a Single-Trip All-Inclusive plan • trip to a maximum of $6,000 per policy. for a . Trip Cancellation & Interruption claim if you purchased a Multi-Trip All-Inclusive plan • trip for Baggage Loss or Damage and up to $500 for Baggage Delay per policy, if you purchased a Single-Trip All-Inclusive plan ...

  12. Manulife

    CanAm is a licensed insurance agency. CanAm distributes Individual Medical Underwriting Plan Travel Insurance which is underwritten by The Manufacturers Life Insurance Company. Speak with a Sales Agent. 1-877-884-8283. Mon - Fri: 8:30AM - 8:00PM EST. Sat: 9:00AM - 5:00PM EST.

  13. Travel Insurance for Canadian residents

    Single Trip All Inclusive. Comprehensive travel coverage outside and within Canada. Up to $10 million in emergency medical benefits. Up to $3,500 (per insured) in trip cancellation / interruption benefits. Baggage loss, damage or delay. Flight accident and travel accident insurance.

  14. Is Manulife travel insurance Any Good? (Updated review)

    Manulife plans are flexible offering various levels of coverage. All-inclusive plans cover most major travel risks including emergency medical care, cancellations and lost luggage. Here are some Manulife travel insurance Canada pros and cons: Why Manulife could be right for you: Coverage for a single trip or for multiple trips

  15. Travel Insurance

    Through our partnership with Manulife, OMA Travel Insurance is available to help protect you and your loved ones while on vacation, or by making emergency travel possible for a friend or family member. ... Single-Trip All-Inclusive. If you are planning to travel outside of Canada, but want protection beyond just emergency medical costs, this ...

  16. Manulife Financial Travel Insurance

    Flight and travel accident insurance. $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days; $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days

  17. PDF Comparison Chart for Multi‑Trip Travelling Canadian Plans

    Multi‐Trip Plans (cont'd) Multi-Trip Emergency Medical. Multi-Trip TravelEaseTM. Multi-Trip All-Inclusive. Hospital allowance. When you are hospitalized for 48 hours or more, we reimburse you for out-of-pocket expenses such as phone calls, TV rental and parking fees. $50/day/person to a maximum of $500.

  18. Multi-trip emergency medical

    It protects you for as many trips as you want to take throughout the year, for one affordable premium - with up to $5 million in emergency medical coverage. In many cases, if you took two trips within the year, this coverage would cost less than the price of two Single-Trip Emergency Medical plans. You can choose from three trip durations: 10 ...

  19. COVID-19 Statement

    COVID-19 is still considered a known event in relation to Travel Advisory status changes, and a Trip Cancellation or Trip Interruption Insurance claim will not be paid if an individual cancels or interrupts their trip for a reason related to COVID-19, except for one of the three events mentioned below. Your sickness (accompanied by a medical ...

  20. Manulife Travel Insurance Review February 2024

    Gave us some of the lowest quotes in our test. When we compared 8 different travel insurance providers using a single fictional couple, Manulife gave us good results with a range of $103.37 - $248.93. In fact, some other provider's lowest ranges were higher than the max Manulife gave us, which is impressive.

  21. Do You Need Annual Multi-Trip Travel Insurance?

    Manulife offers a stacked Multi-Trip All-Inclusive Plan with $10 million in emergency medical benefits, up to $3,500 per trip and $6,000 per policy for trip cancellation and interruption, as well ...

  22. Single Trip All Inclusive Travel Insurance for Canadians

    Single Trip All Inclusive Travel Insurance for Canadians . Plan Overview. Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage and Delay, Flight & Travel Accident. ... you can apply for emergency medical coverage under Manulife's Individual Medical Underwriting Plan. Simply call 1-877- 884-8283. ...

  23. 9 Top Adults-Only All-Inclusive Resorts in the Caribbean

    Located in St. George's, Grenada, the adults-only all-inclusive Sandals Grenada boasts innovative design, including infinity pools on guest suite balconies and a sunken living room in the middle ...

  24. Multi-trip all-inclusive plan for Travelling Canadians

    In many cases, if you took two trips within the year, this coverage would cost less than the price of two Single-Trip All-Inclusive plans. You can choose from three trip durations: 10 days. 18 days. 30 days. If necessary, you can purchase additional days with Emergency Medical Top-Up. Travel insurance must be purchased prior to departure from ...